HEIs that pass the audit receive a quality label and are added to the register
of audited institutions maintained on FINHEEC’s website. The quality label
is valid for six years from the Evaluation Council’s meeting at which the audit
decision was made. The audit certificate related to the quality label explains
whether the audit was carried out by a Finnish or an international audit team,
provides a summary of the key findings and describes the optional audit
Furthermore, Americans have gotten more sophisticated about food and have learned
their fair share about wine. These days, wine tastings take place at the local liquor store,
and comprehensive classes can be had at community colleges and universities,
democratizing a formerly elite subject (Malone, 2003). In the past, diners were at the
mercy of the sommelier, now they read books like “Wine for Dummies” and make
authoritative choices on their own.
An integrated approach among the local, State, and Federal Government provides for a
logical clearinghouse for intelligence on the movement and activities of terrorist groups and
the collection, interpretation, and dissemination of that information to the proper
enforcement agencies. Effective planning and intelligence gathering can lessen the
likelihood of a surprise emergency incident, which, improperly handled, can make or break a
department and its administrators at all levels of government.
Several Oscar shows during the decade presented themed montages by other
filmmakers, on women in cinema (by Lynne Litman), the work of the cinematographer,
and on the activity of going to the movies (by Mike Shapiro and John Bloom respectively,
both uncredited). The 67th show (1995) presented a tribute to comedy that incorporated a
credited Workman montage with a dance number where onstage stars interacted with the
screen. And Workman montages were highlighted in the 70th through 72nd shows (1998-
2000), on Oscar acceptances, “great moments,” and history in film.
The OFT is also bound by the Freedom of Information Act 2000 (the FoIA).
Where a person makes a request in accordance with the FoIA the OFT may have
to disclose whether it holds the information sought and the information itself
(including confidential information). The FoIA contains exemptions (including one
which may exempt confidential information) and the OFT will not have to make
those disclosures if an exemption applies. If you consider that any information
you provide may be exempt from such disclosures you should say so and
The rest of the paper is organized as follows. Section 2 evaluates the situation of
German banks in terms of capitalization. In section 3, bad bank solutions of the past are
studied and prerequisites for success are examined. Section 4 develops a classification
scheme for existing and planned bad bank solutions. We develop in Section 5 the
efficient design for a public bad bank. Section 6 evaluates the German Government’s bad
bank proposal. Section 7 concludes. Two simple numeric examples illustrate the working
of both bad bank plans in the Appendices. ...
A source of airborne particulate matter that cannot be neglected is the injection of windblown natural dust
into the atmosphere in sand and dust storms common during windy conditions in the world’s deserts. In
the northwestern Mediterranean region, the input of Saharan material, known locally as red rains, has
been estimated as 3.9 million of tonnes each year . In some parts of the Mediterranean basin, it is
thought that this makes a substantial contribution to local airborne particulate matter.
The Work Breakdown Structure (WBS) follows on from the Implementation Schedule and provides the detail
behind each key activity showing tasks, deliverables and allocated resources including staff. WBSs vary
depending on the complexity and type of project undertaken. There is no single format that must be adopted,
as long as there is a clear line of sight between the Implementation Schedule, scope and WBS. For complex
projects, a WBS will extend over many pages.
Aesthetic Realism class Mr. Siegel explained what I and many people have gone for: “You get a
value out of thinking you are secret and immune. The question is: How much do you want to be
in relation to things not yourself and to the world?” This is a question for every person, whether
on a frozen tundra, a Brooklyn street, or a university classroom.
One of the most moving aspects of the mask are the two curved hands which reach out
from the sides, as though from the depths within. The gracefully curved fingers give the hands a
yearning quality, a desire to embrace what...
Perhaps even more important than barriers of physical access and eligibility are
barriers of affordability. These issues seem to be particularly important in Latin
America and the Caribbean, where 40 percent of non-account-holders report that
formal accounts are too expensive. Worldwide, reducing withdrawal charges and
balance fees could make formal accounts more attractive to more than 500 million
adults who are without one. Again, these statements are meant to be indicative,
not causal, and further analysis is required.
Role of agriculture in economic development. Theories of agricultural development. Economics of
traditional agriculture. Socio-cultural and other institutional constraints. Planning for utilisation of
surplus resources including manpower. Linkages in agriculture. Structural transformation. Review
of agricultural development in U.S.A, Japan, China and India. Planning: India's five year plans. Human
Development Index. Welfare programmes. Globalisation of economies and its impact on Indian
In this book I have tried to cover all the basic topics of Software Engineering like Analysis,
Project Management, Quality Testing and Designing.
Any further improvement in the contents of the book by making corrections, omission and
inclusion is keen to be achieved based on suggestions from the reader for which the author shall be
I acknowledge special thanks to Mr. Rajeev Biyani, Chiarman & Dr. Sanjay Biyani, Director
“…The Audit Commission has lost its way. Rather than being a watchdog that champions taxpayers' interests, it has become the creature of the Whitehall state. We need to redress this balance.”
Secretary of State for Communities and Local Government 13 August 2010
On 13 August, the Secretary of State for Communities and Local Government announced our plans to disband the Audit Commission and re-focus audit on helping local people hold their councils and other local public bodies to account for local spending decisions.
We want to drive power downwards to people.
The Congressional Budget Office consistently concludes that
infrastructure and other state spending provide considerable
boosts to the economy, while income tax changes for high-
income households have minimal impact on short-term
economic activity. Tax cuts for affluent households result
in small increases in spending, and tax hikes result in only
small decreases. Low- and middle-income households, on
the other hand, have little savings, and reductions in their
after-tax income result in equivalent reductions in spending.
Critical Thinking and/or General Studies are usually better taken only as
an ‘extra’, rather than as one of the advanced level subjects on which your
university application will be relying.
One of the best ways to keep your options at university open is to choose
your advanced level subjects from the list of facilitating subjects.
If you are not sure of what to study at university, why not think about your
two favourite subjects from the facilitating subjects list? The section on
what subjects can give me the most options may help you choose....
To complete this course you are required to read the study unit, read the set books
and read other materials which may be provided by the National Open University of
Each unit contains self-assessment exercises and at certain points in the course you
would be required to submit assignments for assessment purposes. At the end of the
course there is a final examination. The course should take you about 17 weeks in
total to complete. Below you will find listed all the components of the course. What
you have to do and how you should...
Based on the results from this year’s survey, it is pretty clear that Building
Information Modeling (BIM) is here to stay. Firms reported using BIM technology in 38
percent of their projects in 2012, a slight increase compared to the 35 percent of firms
that used BIM in 2011. BIM technology typically uses three-dimensional, real-time,
dynamic building modeling software to increase productivity in building design and
construction. Construction firms clearly expect demand for BIM to continue growing,
with 43 percent reporting they expect use of BIM to increase in 2013.
Businesses and societies can find approaches that will move towards all three goals -
environmental protection, social wellbeing and economic development - at the same time.
Sustainable development is good business in itself. It creates opportunities for suppliers
of ‘green consumers’, developers of environmentally safer materials and processes, firms
that invest in eco-efficiency, and those that engage themselves in social well-being. These
enterprises will generally have a competitive advantage.
Oracle Lite, once known as Oracle Mobile, is intended for single users who are using
wireless/mobile devices. It differs from other members of the Oracle database family
in that it doesn’t use the same database engine. Instead, Oracle developed a light-
weight engine compatible with the limited memory and storage capacity of hand-
held devices. Oracle Lite is described in more detail at the end of this chapter.
Because the SQL supported by Oracle Lite is largely the same as the SQL for other
Oracle databases, you can run applications developed for those database engines
using Oracle Lite.
Lending is an investment and investments are all about the comparison of alternatives and the
assessment of risks -vs- return. Up until recently, the government was issuing treasury notes
with yields in excess of 40%. Consequently, banks found treasuries more attractive than
long-term loans yielding 16-20%. Treasury bills have since declined from the high levels,
but still offer an attractive return on investment when comparing liquidity, the high
transactional costs of long-term lending, and the short-term nature of the investment.